Bank Chargeback Assistance UK

Bank chargeback assistance in the UK helps individuals and businesses recover funds lost due to unauthorised, fraudulent, or incorrect payments. Chargebacks are a formal process through which banks can reverse card transactions under the UK’s financial regulations.

Whether you are dealing with credit card fraud, unauthorised online purchases, or a merchant dispute, timely action is critical to maximise the chances of a successful claim.

What Is a Chargeback?

A chargeback is a transaction reversal initiated by your bank or card issuer. It allows you to recover funds when:

• An unauthorised payment is made from your account

• Goods or services were not delivered as promised

• You were charged incorrectly or billed twice

• Fraudulent merchants or scams are involved

Your Legal Rights in the UK

Bank chargeback claims are governed by:

• The Payment Services Regulations 2017

• Card network rules (Visa, Mastercard, etc.)

• Guidance from the Financial Conduct Authority

Banks are required to investigate and, where appropriate, reverse disputed transactions unless there is evidence of customer negligence or fraud.

Steps for Chargeback Assistance

1. Contact Your Bank or Card Issuer

Report the disputed transaction immediately and request a chargeback claim form.

2. Provide Evidence

Include invoices, receipts, correspondence, and proof of non-delivery or fraud.

3. Follow Bank Procedures

Adhere to deadlines and respond promptly to any requests for additional information.

4. Escalate If Necessary

If the bank rejects the claim, submit a formal complaint and, if unresolved, escalate to the Financial Ombudsman Service.

5. Consider Professional Support

Chargeback specialists can help structure evidence, liaise with banks, and increase the likelihood of successful fund recovery.

Why Use Professional Bank Chargeback Assistance

• Maximise the success of your claim

• Ensure compliance with UK regulations

• Avoid procedural errors that can delay recovery

• Provide guidance on complex or cross-border transactions

Recover Your Funds Efficiently

If you have experienced unauthorised or disputed transactions in the UK, prompt bank chargeback assistance is essential. Acting quickly and following a structured process increases the likelihood of reclaiming your money while safeguarding your financial interests.